Interactive Commercial Repayment Tool

Commercial Property Loan Calculator
Repayments, Stamp Duty & GST

By the Mortgagefy Team · Published · Reviewed

Model a commercial property loan the way lenders actually assess it: a rate you choose, realistic commercial terms, interest-only option and LVR caps that differ by asset type. Then speak to a specialist for the actual deal.

Use the Calculator 0432 634 648

Estimate your commercial repayment

Enter the deal, pick the doc type, see the monthly repayment. This is an estimate - call us for a live quote on your actual scenario.

The contract price, before or including GST (choose below).

Check the contract. Your accountant should confirm the GST treatment before you sign.

Example only — enter the rate you've been quoted.

Enter the quotes you have — we don't guess these for you.

Estimated monthly repayment
$0
If rates rise 2%: $0 a month
Total repaid
$0
Interest cost
$0
Cash you'll need at settlement
Deposit (price less loan)
$0
NSW stamp duty (on $0)
$0
GST to fund at settlement
$0
Legal, valuation & lender fees
$0
Total cash to settle
$0

How these figures are worked out
  • Stamp duty uses the NSW general transfer duty scale for 2026/27 published by Revenue NSW. Premium property duty applies to residential property only, so it isn't used here.
  • Duty is charged on the GST-inclusive price. If GST is added on top, duty is worked out on the price plus GST.
  • If GST is added on top, you fund it at settlement. A GST-registered buyer can usually claim it back as a GST credit, but not under the margin scheme.
  • The repayment uses the standard principal-and-interest formula at the rate you enter. The “+2%” line repeats it two percentage points higher.
  • Not included: land tax, insurance, outgoings, loan fees you haven't entered, or tax effects. Information checked on 20 Oct 2026.

Estimates only. Commercial pricing is set case-by-case by asset type, tenant, LVR, loan size and borrower strength. Confirm live pricing with a broker or lender before relying on these figures.

Get the real rate on 0432 634 648